The Essex Agency is your local representative to national personal articles insurers.

What is a personal articles policy?

     There are two reasons to consider a personal articles policy 1) you have high end items that you would want replaced with exactly what you have 2) certain items (jewelry watches, furs, precious stones, gold/silver/pewter ware etc) have limited coverages under your homeowners policy, and you want them to be fully protected. The personal articles policy works above and beyond your homeowners or renters policy to provide full coverage for the listed items. Items added to the policy are listed with the original purchase receipt, or an appraisal, so that in the event of a total loss, you receive an exact replacement item, not a similar item. Of course, some exclusions may apply and we will ensure you get the best coverage for your belongings. If you want peace of mind that your most valued possessions are fully insured, this policy is for you!

The benefits of an independent insurance company.

     Save time calling around when you allow us to do the shopping for you! When applying for personal articles insurance coverage, The Essex Agency will research more than a dozen highly rated insurance companies to find the best combination of the coverage you desire, at the best available premium. Should you ever need to make a claim, we’ll be on hand to walk you through each step of the process with ease. Contact us today to get your quote!

What does a personal articles policy cover?

Your scheduled valuables

  • Jewelry
  • Camera Equipment
  • Golf Equipment
  • Computers
  • Firearms
  • Phones

Anywhere in the world, from all perils

  • Fire
  • Theft
  • Water Damage
  • Accidental Breakage

*This isn’t an exhaustive list, talk to your agent.
*Some limitations may apply, ask for details.

How do you prefer to communicate with us?

To speak with a licensed personal articles policy representative please call our office at:


Get your quote started here!